Congratulations to our five lucky winners!
Each winner will receive a $100 e-gift card for sharing their amazing tips on keeping a Christmas budget.
Thank you to everyone who participated and shared their ideas!
All winners will be contacted via email.
Justine Barron
Kathleen Gifford
Linda Luczak
Kris Kringle is a smart festive tradition because it keeps costs low while preserving the joy of giving. By limiting each person to buying just one gift with a set price cap, it prevents overspending, reduces financial pressure, and avoids post-Christmas money stress. It encourages thoughtful, creative gifting rather than expensive purchases, works well for large groups, and allows everyone to enjoy the festive spirit in a fair, fun, and budget-friendly way.
Thank you and Merry Christmas! 🎅🏻🎄🎁💚❤️
Frank Delorenzo
Instead of buying prepared salads buy the individual items such as lettuce, tomatoes, carrots, etc separately and make your own salad and you will save heaps.
Instead of shopping for fruit and vegies at the supermarket try your local fruit and vegie shop where the prices are lower and the quality superior and again you will save heaps.
April Buchanan
The way I save over Christmas is buying only for grandchildren or children under 18.
Get together with family, we always bring something to contribute for lunch or dinner.
Its not what's under the tree, it's who is around it.
Terms & Conditions of Entry
General
1. Information on how to enter and prize details forms part of these Terms and Conditions of Entry. Entry into the promotion constitutes acceptance of these Terms and Conditions.
2. The Promoter’s decision in relation to any aspect of the promotion is final and binding on every person who enters. No correspondence will be entered into regarding the Promoter's decisions.
3. The Promoter is Pepper Money Limited (ABN 55 094 317 665), Level 27, 177 Pacific Highway, North Sydney NSW 2060, Australia (Promoter).
4. Entry is open to existing Pepper Money email subscribers who are Australian residents 18 years or older. Management, employees, directors and contractors of the Promoter and its related entities are excluded from entering (Eligible Entrant).
5. The Promoter reserves the right to determine whether a person is an Eligible Entrant at its absolute discretion.
6. The promotion commences at 12:01am AEDT on Tuesday, 16 December 2025 and closes at 11:59pm AEDT on Sunday, 4 January 2026 (Promotion Period).
How to Enter
7. To enter the Promotion, Eligible Entrants must, within the Promotion Period, respond to the Pepper Money December newsletter email with their best money-saving tip for the festive season.
8. Eligible Entrants can only submit one entry to the Promotion.
Prizes
9. There are five (5) prizes to be won. Each prize is a $100 eGift card (Prize).
10. The maximum total sum value of all the Prizes does not exceed AUD $500 (including GST). A maximum of one (1) prize applies per winner.
11. This promotion is a game of skill. The winners will be selected based on creativity and originality of their entry by the Promoter at 10:00am AEDT on Tuesday, 6 January 2026 (Judging Date).
12. Judging will take place at the offices of Pepper Money, Level 27, 177 Pacific Highway, North Sydney, NSW 2060 (Judging Location).
13. The winners will be notified by email within 7 business days of the Judging Date and their names will also be published on the Promoter’s website from 12:00apm AEDT on Tuesday, 6 January 2026, for a minimum of 28 days.
14. The winners must respond to the Promoter’s email to claim the Prize by 12:00pm AEDT on Friday, 16 January 2026. The Prize will be sent to the winner by email within 30 days of the winner claiming their Prize.
15. The Prize is not exchangeable, or transferable and non-cash Prizes are not redeemable for cash. The Promoter shall not be liable for the Prizes being lost, stolen, damaged or tampered with in any way before they reach the winners or after they have been sent to the winners.
16. If the Promoter is unable to provide a winner with the nominated Prize, the Promoter reserves the right to supply an alternative prize of similar monetary value to the nominated Prize.
17. The Promoter reserves the right to select an alternative winner in the event of an entrant being unable to satisfy these promotion terms and conditions or forfeiting or not claiming a prize.
18. The Promoter is not liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss), or for personal injury suffered or sustained as a result of taking any Prize, except for any liability that cannot be excluded by law.
19. These Terms and Conditions may be amended or withdrawn by the Promoter at any time, subject to any written directions from a regulatory authority.
20. Unless otherwise advised, this Promotion is not available in conjunction with any other discount or promotional offer.
Personal Information
21. As a condition of entry, each Eligible Entrant acknowledges that all entries become and remain the property of the Promoter, who may publish or cause to be published the entrant's name and entry for any commercial purpose, including future promotional marketing and publicity purposes, and otherwise consents to having the content of their entry and name published by the Promoter online, via social media or any other medium.
22. Any contact information entrants provide will be used by the Promoter for the purpose of administering this Promotion and contacting and verifying the winners. Entry is conditional on providing this information.
23. The Promoter may, for the purpose of administering this Promotion, disclose an Eligible Entrant’s personal information to its contractors and agents. The Promoter may also disclose personal information to others including as required by Australian regulatory authorities. The collection, use and disclosure of Personal Information provided in connection with this Promotion is governed by the Promoter’s privacy policy.
E-gift card Terms & Conditions
24. Winners can refer to the eGift card Issuer for the full terms and conditions applicable to the eGift card.
